Health insurance will cost more than the median income of an American household by 2037 -- and that's the best-case scenario, two doctors contend in a new study.

The reason: Wages for U.S. workers are stagnating and health care costs are rising so quickly that even if the health reform law enacted two years ago by President Obama works as advertised, health insurance premiums will surpass income for many Americans in the coming decades, according to an article published in the journal, Annals of Family Medicine (h/t U.S. News and World Report).